United Credit Ltd

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United Credit Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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United Credit Ltd

₹ 22.5 -4.26%
18 Sep - close price
unitedcreditltd.com BSE: 531091
About

Incorporated in 1991, United Credit Ltd is in the business of Financing and Renting.[1]

Key Points

Business Overview:[1][2][3]
UCL is registered as the non-systematically important non deposit taking non-banking financial company. It earns its revenue from interest on loan and rent. The principal business of the company is hire-purchase, leasing, and consumer financing, real estate investments, equity trading, and capital market operations.
The company has already started exploring possibilities in other areas like syndication corporate banking real estate and hotel
industries so that the range of activities
are expanded.

Website BSE
  • Market Cap ₹ 12.0 Cr.
  • Current Price ₹ 22.5
  • High / Low ₹ 37.8 / 19.0
  • Stock P/E 15.0
  • Book Value ₹ 57.9
  • Dividend Yield 0.00 %
  • ROCE 3.59 %
  • ROE 2.79 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.
  • Stock is trading at 0.39 times its book value

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • The company has delivered a poor sales growth of 3.32% over past five years.
  • Company has a low return on equity of 3.95% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
0.77 0.82 0.84 0.96 0.87 0.88 0.89 0.81 0.74 0.76 0.77 0.83 0.78
Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.01 0.01
0.50 0.48 0.53 0.47 0.60 0.50 0.52 0.77 0.46 0.46 0.54 0.52 0.54
Financing Profit 0.27 0.34 0.31 0.49 0.27 0.38 0.37 0.04 0.28 0.30 0.22 0.30 0.23
Financing Margin % 35.06% 41.46% 36.90% 51.04% 31.03% 43.18% 41.57% 4.94% 37.84% 39.47% 28.57% 36.14% 29.49%
0.04 0.04 0.62 0.03 0.12 0.15 0.06 -0.02 0.06 0.02 0.02 0.02 0.05
Depreciation 0.02 0.02 0.02 0.02 0.01 0.01 0.02 0.03 0.02 0.03 0.04 0.04 0.03
Profit before tax 0.29 0.36 0.91 0.50 0.38 0.52 0.41 -0.01 0.32 0.29 0.20 0.28 0.25
Tax % 24.14% 19.44% 23.08% 18.00% 31.58% 17.31% 34.15% -600.00% 21.88% 24.14% 20.00% 17.86% 20.00%
0.22 0.29 0.70 0.42 0.26 0.43 0.27 0.05 0.25 0.23 0.16 0.22 0.19
EPS in Rs 0.41 0.54 1.31 0.79 0.49 0.81 0.51 0.09 0.47 0.43 0.30 0.41 0.36
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
1.95 1.77 2.09 2.47 2.64 2.89 2.71 2.76 2.92 3.58 3.72 3.19 3.14
Interest 0.00 0.02 0.02 0.02 0.00 0.00 0.00 0.00 0.01 0.01 0.01 0.02 0.03
1.10 2.20 1.36 1.38 4.28 1.74 1.56 1.56 1.99 1.96 2.36 1.99 2.06
Financing Profit 0.85 -0.45 0.71 1.07 -1.64 1.15 1.15 1.20 0.92 1.61 1.35 1.18 1.05
Financing Margin % 43.59% -25.42% 33.97% 43.32% -62.12% 39.79% 42.44% 43.48% 31.51% 44.97% 36.29% 36.99% 33.44%
0.03 0.81 0.03 0.06 5.28 0.07 0.07 0.10 0.00 0.53 0.02 0.04 0.11
Depreciation 0.06 0.09 0.08 0.06 0.04 0.03 0.03 0.02 0.06 0.07 0.07 0.13 0.14
Profit before tax 0.82 0.27 0.66 1.07 3.60 1.19 1.19 1.28 0.86 2.07 1.30 1.09 1.02
Tax % 36.59% 77.78% -18.18% 38.32% 41.67% 23.53% 26.89% 40.62% 17.44% 21.26% 22.31% 21.10%
0.52 0.06 0.78 0.66 2.09 0.90 0.87 0.75 0.72 1.64 1.01 0.86 0.80
EPS in Rs 0.98 0.11 1.46 1.24 3.92 1.69 1.63 1.41 1.35 3.08 1.90 1.61 1.50
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 18.39% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: 6%
5 Years: 3%
3 Years: 3%
TTM: -5%
Compounded Profit Growth
10 Years: 30%
5 Years: 0%
3 Years: 6%
TTM: -20%
Stock Price CAGR
10 Years: 2%
5 Years: 10%
3 Years: 9%
1 Year: -30%
Return on Equity
10 Years: 4%
5 Years: 4%
3 Years: 4%
Last Year: 3%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 5.49 5.49 5.49 5.49 5.49 5.49 5.49 5.49 5.49 5.49 5.49 5.49
Reserves 15.46 15.52 16.30 16.96 19.04 19.49 20.37 21.14 21.85 23.49 24.49 25.36
Borrowing 0.13 0.17 0.10 0.02 0.00 0.00 0.00 0.00 0.13 0.08 0.15 0.28
1.83 1.78 2.16 2.05 1.79 1.85 0.97 0.93 1.23 0.81 0.48 0.43
Total Liabilities 22.91 22.96 24.05 24.52 26.32 26.83 26.83 27.56 28.70 29.87 30.61 31.56
0.21 0.24 0.18 0.14 0.10 0.09 0.06 0.05 0.22 0.18 0.29 0.43
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investments 0.23 0.00 0.00 0.00 0.00 0.00 0.00 0.45 0.32 0.43 0.48 0.13
22.47 22.72 23.87 24.38 26.22 26.74 26.77 27.06 28.16 29.26 29.84 31.00
Total Assets 22.91 22.96 24.05 24.52 26.32 26.83 26.83 27.56 28.70 29.87 30.61 31.56

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
0.04 0.07 0.31 -0.14 -2.48 0.30 0.94 0.41 0.31 0.53 -0.44 -0.26
-0.15 -0.04 -0.01 0.03 2.61 -0.02 0.00 -0.44 -0.13 0.00 0.04 0.17
0.11 0.04 -0.08 -0.08 -0.02 -0.45 -0.87 0.00 0.12 -0.05 0.06 0.11
Net Cash Flow 0.00 0.08 0.22 -0.19 0.12 -0.16 0.06 -0.03 0.30 0.47 -0.34 0.02
Free Cash Flow -0.11 -0.05 0.29 -0.16 -2.48 0.28 0.94 0.40 0.09 0.50 -0.59 -0.52
CFO/OP 14% -26% 52% -12% 145% 26% 84% 53% 46% 33% -12% -6%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 2.51% 0.29% 3.64% 2.98% 8.90% 3.64% 3.42% 2.86% 2.67% 5.82% 3.36% 2.79%

Insights

In beta
Mar 2020 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Gross Loan Portfolio
Rs. Lakhs

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Gross Non-Performing Assets
Rs. Lakhs
Investment Portfolio (Net)
Rs. Lakhs
Number of Permanent Employees
count
Revenue Share: Financing Activity
%
Revenue Share: Renting Activity
%
Number of Shareholders
count

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
57.85% 57.31% 57.31% 57.31% 57.31% 57.31% 57.31% 57.31% 57.31% 57.31% 57.31% 57.31%
0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%
0.53% 0.53% 0.53% 0.53% 0.53% 0.53% 0.53% 0.53% 0.53% 0.53% 0.53% 0.53%
41.62% 42.15% 42.16% 42.16% 42.15% 42.16% 42.15% 42.15% 42.15% 42.16% 42.16% 42.16%
No. of Shareholders 2,2812,3722,4602,6262,5162,6082,6572,6382,6252,6042,5812,592

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

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